Qonto Pricing (2026)
Flat-rate tiers rather than per-seat pricing, so you're paying for a bundle of features and transaction allowances, not headcount. The annual commitment gets you a discount baked into that monthly-equivalent price, with monthly billing available at a premium.
- Basic
- $9/mo
- Smart Popular
- $19/mo
- Premium
- $39/mo
Stop checking your competitors manually.
Outmano watches your competitors' pricing, features, roadmaps and reviews. Every Monday, you get one brief on what changed.
14-day free trial
Basic
- Business account with local IBAN
- 30 transfers/month
- 1 physical payment card + 2 virtual cards
- Payment links, Tap to Pay & POS
- Compliant electronic invoicing
- 24/7 customer support
- Qonto AI agent & Claude MCP
Smart
Popular- Account remuneration: 5% AER for 2 months, then 1.5% AER
- 1 sub-account
- 100 transfers/month
- 2 physical payment cards + 50 virtual cards
- Cash-flow tracking & forecasting
- Accountant access & accounting integrations
Premium
- Account remuneration: 5% AER for 2 months, then 1.5% AER
- 4 sub-accounts
- 200 transfers/month
- 2 physical payment cards + 50 virtual cards + 50 Instant cards
- Lower international FX (0.56%)
- Priority support, 7 days a week
- Subscription tracking & renewal alerts
Does Qonto have a free plan?
No. There's no free-forever plan. There is a free trial that lasts 30 days, and paid plans start at $9/mo.
Want free? Airwallex, Brex, and Expensify have free plans: see all Qonto alternatives →
AI Pricing Analysis
Pricing Model
Flat-rate tiers rather than per-seat pricing, so you're paying for a bundle of features and transaction allowances, not headcount. The annual commitment gets you a discount baked into that monthly-equivalent price, with monthly billing available at a premium.
Tier Strategy
Basic fits freelancers or solo founders who just need a business account without the bloat. Smart is the small-team default once you're issuing multiple cards or need better expense controls, and Premium kicks in when finance ops get complex enough to need heavier transaction volume or more advanced tools baked in.
Competitive Positioning
This sits mid-pack for European neobanks — pricier than bare-bones business account alternatives but cheaper than legacy bank business banking with all its fees. Qonto's clearly chasing SMBs who want a modern interface and fast onboarding without paying enterprise-grade fintech prices.
Growth Lever
Expansion comes from transaction and card limits more than seat count, so growing revenue or a bigger team naturally pushes you into a higher allowance tier. The trial lets prospects feel the UX before committing, and the real upgrade trigger is hitting a wall on card issuance or monthly transfer caps.
Want the strategist's read on the live page? Read the AI teardown of Qonto's pricing page →
Qonto Pricing FAQ
- How much does Qonto cost?
- Paid plans start at $9/mo, going up to $39/mo for larger teams.
- Is there a free plan?
- No free plan. But there is a free trial, so you can test it out before paying.
- Can I try it before paying?
- Yes — there's a free trial that lasts 30 days.
- How does the pricing work?
- Flat-rate tiers rather than per-seat pricing, so you're paying for a bundle of features and transaction allowances, not headcount. The annual commitment gets you a discount baked into that monthly-equivalent price, with monthly billing available at a premium.
- Which plan makes sense for me?
- Basic fits freelancers or solo founders who just need a business account without the bloat. Smart is the small-team default once you're issuing multiple cards or need better expense controls, and Premium kicks in when finance ops get complex enough to need heavier transaction volume or more advanced tools baked in.
More Finance pricing
All Finance pricing →-
Airwallex Pricing
Global business accounts, payments, and spend management platform.
From $12/mo -
Anrok Pricing
Global sales tax and VAT compliance for SaaS and ecommerce, priced per tax market per month.
From $100/mo -
Avalara Pricing
Sales and use tax compliance software covering calculation, returns filing, and exemption certificates.
See pricing -
Bill.com Pricing
AP and AR automation for SMBs.
From $49/mo -
Brex Pricing
Corporate cards and spend for startups.
From $12/mo -
ChartMogul Pricing
Subscription analytics and CRM.
From $1188/mo Free trial -
Cin7 Pricing
Inventory management for sellers.
From $349/mo Free trial -
Datarails Pricing
FP&A platform that automates financial planning and reporting on top of Excel.
See pricing
Comparing Qonto to something specific? Try Qonto vs Airwallex, Qonto vs Anrok, or Qonto vs Avalara. Or see the best Qonto alternatives, ranked.
Set it up once. Get a plan every week.
Add the competitors you care about. Outmano keeps watching them, so you can stop checking their sites.
14-day free trial